⚠️ IMPORTANT UPDATE: From 11 May 2026, adding new Web3 MasterCards to Apple Pay will be unavailable until further notice. Existing cards added to Apple Pay before this change are unaffected and can continue being used as normal.
You’ve probably heard about crypto debit or prepaid cards, but many still require clunky conversions, separate apps at the point-of-sale, or don’t integrate with mobile wallets.
Pay It Now’s Web3 Mastercard solves the friction: it behaves like a normal Mastercard for merchants and like a tokenised card inside Apple Wallet or Google Wallet for you, so payments are fast, familiar, and protected by the same device-level safeguards your phone already uses.
How Pay It Now’s Web3 Mastercard works:
As cryptocurrency becomes increasingly mainstream, more New Zealanders are looking for secure and convenient ways to store, manage, and spend their digital assets. Whether you're buying Bitcoin for the first time, actively trading crypto, or looking for a way to spend your holdings in everyday life, choosing the right wallet is an important decision.
Think of the card as a virtual Mastercard that sits inside your Pay It Now wallet (the PIN Network App). When you spend, Pay It Now converts the crypto you choose into fiat behind the scenes and passes the transaction through Mastercard infrastructure; merchants just see a Mastercard. For mobile payments, the virtual card is tokenised and added to Apple Wallet or Google Wallet, which means your physical card number isn’t exposed at checkout. The flow looks like:
You hold crypto in your Pay It Now wallet.
You add the Pay It Now Web3 Mastercard to Apple Wallet / Google Wallet.
At checkout, you tap your phone, and Apple/Google Wallet provides a token to the terminal.
Mastercard and Pay It Now handle settlement; the merchant is paid in fiat.
This gives you the normal merchant acceptance of Mastercard plus the convenience of mobile wallets, no awkward card readers, no merchant-side crypto requirements.
Security: What protects your money
Mobile wallet payments are protected at several levels:
Device security / Secure Element: On iPhones and many Android devices, the card token is stored in a hardware-protected area (the Secure Element). That means the real card number isn’t shared with the terminal.
Tokenisation: Apple Wallet and Google Wallet use tokenisation; unique payment tokens are used for each device/transaction instead of your primary account number.
Mastercard protections: For disputes, chargebacks, and merchant acceptance, Mastercard’s network rules apply; the Pay It Now card operates under Mastercard rails, so merchant acceptance is broad.
As with any crypto-on-ramp product, also protect your app login with a strong passcode, device biometrics, and two-factor authentication (if available).
How to Download Crypto Wallet NZ and Add Pay It Now’s Web3 Mastercard.
